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Big, small, unexpected, or planned — our personal term loans can help you handle whatever financial needs pop up.

Key Features

  •         Competitive Rates
  •               Flexible Terms
  •               Local Service
  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs or updates
    • Family vacation
    • Education expenses
    • Personal projects or startups
    • And more
  • Flexible terms customized to your personal situation
  • Set up automatic transfers or payroll deductions for convenient loan repayment
  • Local decision-making and processing by fellow community members
  • Attentive, friendly service from start to finish

We offer some of the most competitive rates in Southeast Arkansas. Contact a loan officer for current rates.


We offer both secured and unsecured personal loans. If you’re looking for a higher loan limit, a secured loan may be for you. Because this loan is backed by your CD or savings account, lenders can offer higher limits. Unsecured loans are not backed by collateral, so, while easier to obtain, will not offer as high of credit limits. 

Choose the loan that works for you, and start the application process today.

Share and Certificate Secured Loans

  • Use your regular share savings account or share certificate as collateral
  • Sign up for free e-statements with your account to receive a 0.25% discount on your loan rate
  • Competitive interest rates
  • Finance of new and used items
  • Affordable payment terms suited to your needs

Unsecured Loans

  • Can require little more than a signature
  • Competitive interest rates
  • Finance a wide array of items
  • Affordable payment terms suited to your needs

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